Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$20,763Cash toward the purchase price.
Closing costs + prepaids$12,319Not just lender fees.
Before credits & paid funds$33,082The complete starting cash picture.
Estimated remaining funds due at closing
$33,082No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,763.08
Your down payment$20,763.08
Closing costs + prepaids$12,319.31
Total buyer cash needed$33,082.39
Remaining funds due$33,082.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$3,549.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,671.13
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$426.00
Initial HOA (3 months)$1,290.00
Prepaid interest, first (6 days)$164.27
Fees + prepaids$12,319.31
Your down payment is the seller’s equity. You take over the $334,227 balance, so the rest of the $354,990 price is paid at closing. A second mortgage can cover part of it. $33,082.39 is due at closing. Uses and sources reconcile at $367,309.31 each. Not a Closing Disclosure.